OptimalMD: The Solution to America's Healthcare Crisis
A private healthcare network delivering complete healthcare without traditional insurance — designed for families facing the ACA subsidy cliff and seeking transparent, affordable care.
America's Healthcare Crisis
27.1M
Americans Uninsured
The number of uninsured Americans continues to grow, leaving millions vulnerable to financial catastrophe from unexpected medical events.
30%
Income on Healthcare
For many American families, healthcare costs now consume nearly one-third of their entire household income — an unsustainable burden.
25%+
Premium Increases
Insurance premiums are skyrocketing in 2026, with many Americans facing increases of 25% or more on already unaffordable plans.
18
States Worsening
Eighteen states saw their uninsured rates actually increase in 2024, reversing years of progress in healthcare coverage.
The American healthcare system is failing millions of families who work hard, earn decent incomes, but find themselves priced out of quality care. This crisis is accelerating, not improving.
The ACA Subsidy Cliff Crisis
December 31, 2025: A Looming Catastrophe
The enhanced ACA subsidies that have kept millions of Americans insured are set to expire on December 31, 2025. Without congressional action, this will trigger the most significant disruption to American healthcare coverage since the ACA's inception.
22 Million Face Premium Shock
Nearly 22 million Americans who currently receive enhanced subsidies will suddenly face massive premium increases — many seeing their costs more than double overnight.
3.8 Million Losing Coverage
An estimated 3.8 million people will be forced to drop their coverage annually because they simply cannot afford the new premiums after subsidies expire.
114% Average Increase
Families will face average premium increases of 114%, translating to an additional $1,016 or more per month — $12,192 annually in new healthcare costs.
$84,600 Income Cliff
Families earning just over $84,600 will lose all subsidies entirely, facing the full unsubsidized cost of marketplace insurance — often $2,000+ monthly.
Who Gets Left Behind?
The subsidy cliff doesn't just affect low-income Americans — it devastates middle-class families, entrepreneurs, and early retirees who have worked their entire lives and now find themselves in an impossible situation.
Middle-Income Families
Families earning above 400% of the federal poverty level lose all subsidies, yet don't earn enough to comfortably absorb $30,000+ annual insurance premiums. These are teachers, small business managers, and skilled tradespeople.
Self-Employed & Entrepreneurs
Self-employed individuals and small business owners who don't qualify for employer coverage face the full brunt of marketplace premiums. They're building America's economy but can't afford to protect their own families.
Early Retirees
Americans who retire before age 65 face a healthcare coverage gap. They're not yet eligible for Medicare but face the highest insurance premiums due to age rating — often $2,500+ monthly for a couple.
Privacy-Conscious Individuals
Anyone seeking privacy in their healthcare decisions, whether managing chronic conditions or simply valuing confidentiality, faces a system that shares every detail with insurers, employers, and government databases.
The OptimalMD Solution
Private Healthcare Network
Complete healthcare without traditional insurance — designed from the ground up to solve the problems that make American healthcare unaffordable, inaccessible, and invasive.
Why OptimalMD Works
OptimalMD reimagines healthcare delivery by eliminating the inefficiencies, restrictions, and hidden costs of traditional insurance. We've built a system that puts patients first, with transparent pricing and immediate access to care.
Everyone Qualifies
No medical underwriting, no exclusions for pre-existing conditions, no waiting periods. If you can pay the monthly fee, you're covered immediately — regardless of your health history.
No Hidden Costs
Zero deductibles. Zero copays. Zero surprise bills. Every service has transparent, upfront pricing so you know exactly what you'll pay before you receive care.
Complete Privacy
Your health information stays between you and your doctor. No reporting to employers, no government databases, no insurance companies denying claims based on your medical history.
Immediate Access
Coverage starts the moment you enroll. No waiting periods, no enrollment windows, no delays. Need care today? Join OptimalMD today and see a doctor within minutes.
My AI Doctor™ Diagnostic System
OptimalMD Prime includes My AI Doctor™, a revolutionary diagnostic system that combines artificial intelligence with board-certified physicians to deliver faster, more accurate care than traditional telemedicine services.
Intelligent Technology
- AI-powered symptom analysis uses advanced algorithms to evaluate your symptoms and medical history instantly
- Intelligent triage determines urgency level and recommends appropriate care pathway
- 24/7 availability means you can access diagnostic assistance any time, day or night
- Seamless handoff to live physicians ensures continuity of care
- Voice Powered so you can have a conversation as if speaking to a real person to help you with your symptoms and concerns.
Human Expertise
- Board-certified physicians available in an average of just 17 minutes
- Full prescribing authority for medications when clinically appropriate
- Comprehensive care for urgent care and primary care needs
- 13 Specialists Available via messenger from primary care, pediatrics, allergists, endocrinology, women's health, ophthalmology and more.
- Care navigation to guide you to appropriate specialists or facilities when needed
The combination of AI efficiency and physician expertise means you get faster access to better care than traditional telemedicine or in-person urgent care visits.
OptimalMD Prime — What's Included
Unlimited Virtual Visits
See board-certified physicians as often as you need for urgent care and primary care needs. No visit limits, no copays per visit — just unlimited access to quality medical care.
1,100+ FREE Medications
Access to 1,100+ commonly prescribed medications at absolutely no cost, plus 4,000+ additional medications available for under $15. This includes medications for diabetes, high blood pressure, cholesterol, mental health, and more.
3,900+ Lab Tests at $0
Comprehensive lab testing through LabCorp or Quest Diagnostics with no out-of-pocket costs. From basic metabolic panels to advanced diagnostic testing, we've got you covered.
These core services handle the vast majority of healthcare needs for most families — from routine checkups to managing chronic conditions to treating acute illnesses.
Complete Network Access
OptimalMD Prime provides access to America's largest healthcare networks, ensuring you can receive care wherever you are, whenever you need it.
70,000+ Pharmacy Locations
Fill your prescriptions at CVS, Walgreens, Walmart, Costco, Kroger, HEB, Publix, and tens of thousands of independent pharmacies nationwide. You're never far from your medications.
My AI Doctor™ Platform
Access our intelligent diagnostic tool 24/7, with seamless connection to live board-certified physicians averaging just 17 minutes. Revolutionary care navigation that gets you to the right care faster.
Advanced Diagnostics
From basic blood panels to advanced imaging interpretation and surgical pathology, our network provides comprehensive diagnostic services through LabCorp and Quest Diagnostics facilities.
Optional Health Sharing
For those who want additional coverage for hospitalizations and surgeries, we offer optional Impact Health Sharing membership that complements your OptimalMD Prime coverage.
$149
Per Month, Per Family
OptimalMD Prime
No deductibles • No copays • Everyone qualifies
Complete healthcare coverage for your entire family at a price that's actually affordable. This isn't a discount plan or limited benefit program — it's comprehensive healthcare that works.
The Math Is Simple
Traditional Insurance (2026)
$2,830+
Per Month
Average cost for a family Bronze plan after the ACA subsidy cliff expires on December 31, 2025. This represents $33,960 annually for limited coverage with high deductibles and copays.
- High deductibles ($6,000-$9,000 per person)
- Copays for every visit ($50-$75)
- Limited network restrictions
- Claim denials and paperwork
OptimalMD Prime
$149
Per Month
Complete family coverage with unlimited virtual visits, free medications, and free lab testing. This represents just $1,788 annually — a savings of over $32,000 compared to post-subsidy insurance.
- Zero deductibles
- Zero copays
- Nationwide network access
- No claims or denials
Real Benefits, Real Savings
OptimalMD Prime delivers unprecedented value by eliminating the waste and bureaucracy of traditional insurance while maintaining — and often exceeding — the quality of care you receive.
95%
Cost Savings
Save over $32,000 annually compared to post-subsidy ACA Bronze plans while receiving superior access to care and medications.
100%
Privacy Protection
Complete confidentiality for all your healthcare needs — no reporting to employers, insurers, or government databases.
0
Claims Denials
Never file a claim, never get denied. You pay one simple monthly fee and receive unlimited access to covered services.
No Insurance Hassles
- No network restrictions limiting your choices
- No pre-authorization requirements delaying care
- No surprise bills after you receive treatment
- No insurance company determining what care you need
Immediate Access
- See a doctor within 17 minutes on average
- Pick up prescriptions the same day
- Schedule lab work at your convenience
- Get care when you need it, not when insurance approves it
Perfect For
OptimalMD Prime is specifically designed for Americans who have been failed by the traditional healthcare system — hardworking people who deserve better than what the insurance industry offers.
Families Losing ACA Subsidies
If you're one of the 22 million Americans facing massive premium increases on December 31, 2025, OptimalMD offers an immediate, affordable alternative that provides better care at a fraction of the cost.
Self-Employed Workers
Freelancers, gig economy workers, and small business owners who don't have access to employer coverage can finally afford comprehensive healthcare without breaking the bank.
Early Retirees Under 65
Bridge the gap to Medicare with affordable, comprehensive coverage. Stop paying $2,500+ monthly for marketplace insurance and start enjoying your retirement years without healthcare cost anxiety.
Privacy-Conscious Individuals
Anyone who values confidentiality in their healthcare decisions can finally receive care without every detail being reported to insurers, employers, and government databases.
Technology-Enabled Care
OptimalMD leverages cutting-edge technology to deliver faster, more convenient, and more effective healthcare than traditional systems. Our platform isn't just telemedicine — it's a complete reimagining of how healthcare should work.
1
AI Assessment
My AI Doctor™ analyzes your symptoms using advanced algorithms, providing instant preliminary assessment 24/7. The AI considers your medical history, current symptoms, and risk factors.
2
Intelligent Triage
Our system determines urgency and routes you to the appropriate care level — whether that's self-care guidance, a virtual physician visit, or direction to emergency services.
3
Physician Connection
Connect with board-certified physicians in an average of just 17 minutes. The doctor receives your AI assessment, enabling more efficient and effective care.
4
Seamless Care Navigation
Receive prescriptions sent directly to your preferred pharmacy, lab orders to LabCorp or Quest, and referrals when specialized care is needed — all coordinated through one platform.
Available 24/7/365
Healthcare emergencies don't follow business hours. OptimalMD is available whenever you need it — midnight, holidays, weekends. Real doctors, real care, real solutions, any time.
Integrated Pharmacy Network
Prescriptions are sent electronically to your choice of 70,000+ pharmacies nationwide. Often available for pickup within hours of your virtual visit.
Don't Fall Off the Cliff
Join OptimalMD Before December 31, 2025
01
Enroll Today
Sign up takes just minutes online. No medical questions, no waiting periods, no enrollment windows. Coverage begins immediately.
02
Download My AI Doctor™
Access your AI-powered diagnostic tool and connect with board-certified physicians in minutes, not hours or days.
03
Start Saving Immediately
Begin using your unlimited virtual visits, free medications, and free lab testing right away. Save over $32,000 annually versus traditional insurance.
Act now to secure your family's healthcare before the ACA subsidy cliff crisis hits on December 31, 2025. Don't wait until premiums double and coverage options disappear.
$149/month • Full Family Coverage • Everyone Qualifies
Questions?
Let's Discuss How OptimalMD Can Protect Your Family
We understand that choosing healthcare coverage is one of the most important decisions you'll make for your family. We're here to answer your questions and help you understand how OptimalMD Prime can provide the security, savings, and peace of mind you deserve.
Get Started Today
Visit our website to learn more about OptimalMD Prime, explore our complete benefit details, and enroll your family before the subsidy cliff crisis.
OptimalMD Technologies
Revolutionizing American healthcare through technology, transparency, and affordability. Because everyone deserves access to quality care.
The OptimalMD Advantage
Complete Healthcare for Less Than Your Cell Phone Bill
OptimalMD Prime represents a fundamental shift in how Americans access healthcare. By eliminating insurance company bureaucracy, negotiating directly with providers, and leveraging technology for efficiency, we deliver more care for less money — without compromising quality or access.
Unbeatable Value
$149/month covers your entire family with unlimited virtual visits, free medications, and free lab testing — benefits that would cost $30,000+ through traditional insurance.
Zero Hidden Costs
No deductibles, no copays, no coinsurance, no surprise bills. You pay one predictable monthly fee and know exactly what your healthcare will cost.
Immediate Access
See doctors in 17 minutes average, get prescriptions same-day, schedule labs at your convenience. Healthcare that fits your schedule, not the other way around.
Total Privacy
Your health information remains confidential between you and your doctors. No employer access, no insurance company reviews, no government databases.
Nationwide Network
Access 70,000+ pharmacies and thousands of lab facilities across all 50 states. Quality care wherever life takes you.
Everyone Covered
No medical underwriting, no exclusions for pre-existing conditions, no age limits. If you're breathing, you qualify for OptimalMD Prime.
This isn't too good to be true — it's how healthcare should have worked all along. Join the healthcare revolution today.
OptimalMD
Private Healthcare Network
Thank you for considering OptimalMD Prime as your healthcare solution. Together, we can build a better healthcare system — one that prioritizes patients over profits, transparency over complexity, and access over bureaucracy.
The subsidy cliff is coming December 31, 2025. Don't wait until it's too late.
Enroll Today
Protect your family with comprehensive healthcare coverage at an affordable price. Visit OptimalMD.com to get started.
OptimalMD Technologies
Transforming American healthcare through innovation, technology, and a commitment to putting patients first.